Loan Planning

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Your loan structure

Loan principal

₹

Amount you want to borrow before any fees.Quoted annual interest rate

Nominal annual rate on a monthly reducing balance.Contractual loan term

months

Months in the original repayment contract.

Fees & net proceeds

Upfront fee percentage

Inclusive of any taxes you choose to include; applied to the requested principal.Other upfront charges

₹

Fixed costs including any applicable insurance or paperwork amounts you want in the quote. Add these fees to the loan balance

Otherwise, fees are deducted from the amount received. Enter only charges that apply to your quote.

Repay earlier

Extra principal every month

₹

A voluntary amount beyond the scheduled EMI; stops when the loan closes.One-time prepayment month

month

Paid after that month’s scheduled EMI.One-time prepayment amount

₹

Use zero for no one-time prepayment.Charge on extra principal

User-entered contractual charge on actual extra principal repaid. Zero by default; confirm eligibility and applicable rules.After extra principal repayment

Scheduled rate changes

When a rate resets

Your repayment budget

Monthly take-home income

₹

A planning input, not a lender’s income assessment.Existing monthly debt payments

₹

Other recurring loan payments already committed.Chosen income share for debt

Your own repayment budget across all debts. No universal eligibility ratio is assumed.

Initial scheduled EMI₹26,035

Recurring extra principal and its charges are shown separately in the ledger.

Total borrowing cost₹32,78,327

All scheduled payments and extra-payment charges less the net amount received.

Effective annual cash-flow cost8.99%

Illustrative equal-month yield; nominal annualised cost 8.64%. Check the lender’s KFS for its official APR.

Modeled payoff time240 months

20.0 years under the payment and rate path entered.

How the balance comes down

Outstanding loan balance

Net amount received₹29,70,000

Lifetime interest₹32,48,327

Extra-payment charges₹0

What earlier repayment changes

No voluntary extra payments

₹32,48,327

240 months to close, with the same entered rate-reset path.

Your repayment plan

₹32,48,327

240 months to close, with ₹0 of extra-payment charges.

Interest difference: ₹0 · Total cost difference after charges: ₹0 · Months saved: 0

Upfront fees are spread over a shorter life when you repay early; annualised cost can rise even while total rupee cost falls.

Check the recurring commitment

Remaining monthly debt budget₹42,500

Highest modeled recurring payment₹26,035

Initial-rate principal capacity₹48,97,311

The recurring plan fits within your selected repayment budget. One-time prepayments and voluntary-payment fees need separate cash. Capacity uses the initial rate and term, includes financed fees when selected, and does not establish credit eligibility.